Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that exis...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Aug 12, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Company Details
Address: P.O. Box 152762, Mail Station 5A-9
City: Irving
State: Texas
ZIP Code: 75015-2762
Phone Number: 972-580-4039
Website:
Year Founded: 1973
AM Best Rating: B++
Company Rating 0 (0 reviews)

Things to Remember...

  • The Zale Indemnity Company is a member of the Zale Group, along with the Zale Life Insurance Company
  • The Zale Indemnity Company has received a B++ rating from the A.M. Best Company for its financial strength
  • Personal injury protection insurance is also known as no-fault insurance

The Zale Auto Insurance review is a review of the Zale Indemnity Company. The Zale Indemnity Company is a member of the Zale Group, along with the Zale Life Insurance Company.

The Zale Group is now a fully owned subsidiary of LPL Financial.

The Zale Indemnity Company has received a B++ rating from the A.M. Best Company for its financial strength, as well as a stable outlook.

Find the best auto insurance rates where you live today with our free online tool. Enter your zip code in the box above to get started!

Zale Indemnity Products

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The Zale Indemnity Company offers auto insurance, health insurance, home insurance, boat insurance, and business insurance.

The auto insurance that the Zale Indemnity Company offers provides all of the common auto insurance coverage options.

Typical auto insurance coverage options include:

  • Bodily injury liability insurance
  • Property damage liability insurance
  • Personal injury protection coverage
  • Coverage for medical payments
  • Collision insurance
  •  Comprehensive insurance
  •  Full glass coverage
  • Uninsured motorist coverage
  • Underinsured motorist coverage
  • Rental reimbursement coverage
  • Emergency road service insurance

Auto liability coverage protects a policyholder when they at fault in an accident. Bodily injury liability will pay for the medical expenses, any lost wages, pain and suffering, and any other type of special damages incurred by those injured in the accident.

Property damage liability coverage covers the cost of property damaged in an accident, like a car or building.

Personal injury protection insurance is also known as no-fault insurance.

This type of insurance coverage will pay a reasonable amount of the medical expenses caused by an accident no matter who causes the accident.

The types of things covered by this type of insurance are lost earnings, rehabilitation, replacement services like childcare.  If the parent of the child is disabled because of the accident and can no longer care for the child on their own, this coverage is essential.

When the policyholder is injured in an accident, having medical payment coverage will help pay for medical costs like visits to the doctor’s office and procedures.

This type of coverage is good to have if you do not have enough health insurance or just want a supplemental backup to alleviate any worry.

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Collision and comprehensive coverage are two auto insurance options that focus on insuring the car instead of the car’s passengers.

Collision coverage will pay for the damage to the auto when it is involved in a collision with another auto or an object.

This type of insurance also provides coverage if the insured auto is rolled. Collision coverage is the type of coverage that protects when the auto is involved in a hit-and-run accident.

Comprehensive coverage insures the auto when it is damaged by something other than a collision.

Some of these circumstances can include:

  • Fire
  • Smoke
  • Hail
  • Wind
  • Vandalism
  • Theft
  • Flood
  • Hitting an animal

Uninsured and underinsured motorist auto coverage protects the policyholder when they are involved in an accident with a person who either does not have auto insurance or does not have an adequate amount of auto insurance.

This type of coverage applies when the accident is caused by the uninsured or underinsured motorist.

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Auto Insurance Products

Popular optional auto insurance coverage options include rental reimbursement, full glass coverage, and emergency road service coverage.

When the policyholder’s car is damaged in an accident so severely that it no longer runs, having rental reimbursement and emergency road service coverage is very beneficial.

Emergency road service coverage provides towing services and rental reimbursement coverage will cover the cost of a rental car until the policyholder either has a new car or has the damaged vehicle repaired.

Compare the auto insurance rates of leading companies in your area today with our free online tool. Enter your zip code below to begin your search now!

References:

  1. http://www.ambest.com
  2. http://www3.ambest.com/ambv/bestnews/PressContent.aspx?altsrc=14&refnum=24852
  3. https://www.healthcare.gov/
  4. https://www.geico.com/landingpage/go256.htm?soa=86436&43700003147925198&p3147925198&gclid=CKfKw8rxj9MCFVKBswodqiEFfw&gclsrc=aw.ds&dclid=COH7msvxj9MCFaa4swodboALaQ
  5. https://www.esurance.com/info/car/uninsured-and-underinsured-coverage
  6. https://www.statefarm.com/claims/get-roadside-assistance
  7. https://www.allstate.com/tools-and-resources/car-insurance/property-damage-liability-insurance.aspx